Multibillion-dollar financial powerhouse Bear Sterns made headlines for a collapse that left thousands of people in financial ruin. Many people are now concerned that this could happen to them.

Suze says this could happen again—so it's important to keep your money safe. "If you have money at a bank, banks are okay," she says. "There has never been a default where FDIC [Federal Deposit Insurance Corp.] did not come in and save you. But how much money do you have at a bank, people? The most that you are insured for is $100,000 in your name, usually at an account in a bank."

If you have more than $100,000 in one bank account, Suze says you need to look into opening more accounts. "Diversify your banks and just spread your money," she says. "As long as you're covered by FDIC, you will not lose your money if something goes down."